Editorial & Subscription Products Team

Joel Kornblau is the Content Manager for BNK Invest, Inc. Joel holds a Bachelor of Arts degree from the
University of Michigan and a Masters of Science from NYU. Joel heads up our editorial team, overseeing the production of all
editorial content for BNK
Invest online properties. In addition to editorial duties across the BNK Invest network of sites, Joel also heads up all of
our social media efforts on Facebook, StockTwits and Twitter.

He has been involved in web related ventures and small online businesses for over ten years, most recently acting as the
Director of Business Development for a growing sports organization in NYC and Long Island. He is married and loves the stock
market, travel, movies and sports.

Dave Moenning is a full-time professional money manager and is the President and Chief Investment Strategist
for his Chicago-based Investment Advisory firms, Heritage Capital Management and Heritage Capital Advisors. His investment
career began in 1980 and has been an independent money manager since 1987. Dave became a partner in a private money
management firm in 1986 and in 1989 founded his own firm. Thus, Dave has been "live" on the firing line and trading for a
living for more than two decades.

At the present time, Dave's firm manages assets for more than one thousand individuals. Dave emphasizes a flexible
management style (known commonly as an Absolute Return strategy) and focuses on a risk managed approach to the markets. In
addition, his proprietary TopStocks Strategy focuses on the top ranked stocks in terms of earnings strength and company
performance in the top performing industry groups.

His firm's management philosophy is based on two overriding principles. While there are never any guarantees in investing,
our first goal is to "own the best and ignore the rest" in terms of stock selection and asset class allocation. In short, he
strives to keep our portfolios focused squarely on the market's leadership.

Dave began writing "State of the Markets" in the late 1990's. What began as a private weekly journal aimed at identifying
the market's "big-picture," has evolved into an acclaimed daily report focusing on the keys to both short-term and long-term
market movements. "Daily State" developed a life of its own and now comprises a key element of the
ETF Channel Flexible Growth Investment Portfolio subscription service, which our subscribers receive daily ahead of the market open.

Doug K. Le Du is a preferred stock researcher, and author of the book Preferred Stock Investing, first
published in 2006, and updated and re-published regularly since then. Preferred Stock Investing teaches risk-averse
investors how to screen, buy and sell the highest quality preferred stocks. The book lists all qualifying preferred stocks
that have been issued since January 2001.

The ten selection criteria from Preferred Stock Investing filtered out the 57 preferred stocks from the big banks that would
be claimed by the Global Credit Crisis and let pass the 13 issues from the big banks that were saved by acquisition. In 70
out of 70 cases, a 100% success rate for almost two years running, the preferred stock selection criteria found in Preferred
Stock Investing protected preferred stock investors.

Doug's academic background is in economics and statistics. Doug retired from his position as Managing Director at one of the
world's largest management consulting firms in 2002 to focus on preferred stock research. Doug does not sell preferred
stocks nor is he a stock broker or financial adviser. Doug publishes our Preferred Stock ListTM Newsletter

Frank Bifulco, a principal with Alcott Capital Management, Frank publishes several of our premium subscription
portfolio products including the Retiree Income Portfolio. Prior to ACM, Frank held a
number of portfolio management and
research positions with various European Private Banks. Frank was the primary energy analyst as well as credit analyst for
these banks in addition to other duties. In addition, Frank worked at several boutique firms in the 1990s covering cable,
cellular, and media stocks as well as various institutional sales positions covering equities and fixed-income securities.

Frank is a graduate of Hamilton College in Clinton, N.Y. where he majored in Economics with a minor in Government. He is a
Chartered Financial Analyst (CFA) as well as a Certified Financial Planner (CFP) and has held the Series 7, 63, and 65
securities licenses. Frank is a member of both the New York Society of Security Analysts and the CFA Institute. Frank is
also a valued contributor to ValueForum.com.

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from, or recommendations by BNK Invest Inc. or any of its affiliates, subsidiaries or partners.
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transaction, or investment strategy is suitable for any specific person. All viewers agree that under no
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